 Do you need a checking account in order to get a credit card? |
Additional Details
thanks to all those people who gave me good advice i did go open a checking account and i'm getting 2 credit cards coming in 4-7 days thankyou very ... |
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 I owe the bank about $9,000 for a repo. Do I need to worry about the bank garnishing my wages? |
| My car was repossessed and sold in Aug 2007. The bank has been calling me nonstop since then. Just recently they have left a voicemail that I need to settle the debt or they will pursue other ... |
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 Home loan?? |
| my house is worth about $550k.. My credit score is 559 right now, due to my excessive credit card and student loan debt.. nothing has ever been late, it's just that i have excessive amounts of ... |
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 Collection Agency wantin gbank information? |
| I have a past due account with Capital One for $1600. I have been trying to work with them to get it paid and offered a settlemetn however they will not accept a settlement offer unless I give them ... |
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 Can i be garnished for a 6 year old debt? |
| ford motor co, did get a judgement and now teir attorney wants a ... |
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 No money to pay anything now!!! please help!!!? |
| If i don't pay my car payments, what will happen??? and i will not pay my credit also, cuz i don't have any extra money to pay my car payments, and my credit now, i only can afford my house,... |
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| Can creditors force the sale of your house? |
| Very little equity in the house, we are in the process of doing a proprosal but am afraid they might force the sale. Ontario, C... |
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 Can credit card companies get away with this... Please read this & help!? |
| I lost my job. I fell behind on a credit card. They constantly call my home (I don't live at home). They accepted a $155.00 payment from my mom over the phone & told her that that would ... |
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 How long does it really take for negative things to come off your credit report? |
| Are there some things that never come off? Do the negative things only come off after they are paid?... |
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 Currently, what is the best credit card deal on transfering a balance? |
| im thinking of transferring my credit card balance to another card, what is currently the best deal, as far as a default of 20.0% APR or less? I have only seen a 32% APR on CITI bank for example but ... |
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 Can I use a credit card to pay off a credit card with no fees? |
| If this is possible then essentially one could borrow money for a time at no cost. Just pay off card A with card B before interest is owed. I realize that of course the original money would be ... |
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 My first credit card - What cards are the best? |
What bank should I get my credit card from? What if you have no credit history yet? (I will hopefully be able to get a credit history...)
What should I look for? I've heard you can ... |
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 I have an old collection account on my credit report. That was paid.. But thats not whats on my report.? |
| I have an old collection account from 2004. I have called the collection company and they said that it was also paid. They have told me to have the bureau contact them to verify. NOW if I do that ... |
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destiny1983us | How can I raise my credit score ?, fast it is a 563 and I need a 580? |
Serious, real people answers only |
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GodBlessAmerica
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If this is so you can qualify for a loan, my friend is doing loans regardless of fico scores with very low rates. Otherwise you can pay your credit cards down to at least 25% of the high limit to ensure the quickest way of bringing up your score. Kepp in mind the results will take 30 to 45 days to post and reflect your credit report.
You should shoot my friend an email, (he is a loan officer) I know he knows about credit repair as well so should be able to guide you in the right direction. Mike@afbankloans.com
Good Luck!! |
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Marcus
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When you cancel your credit card account, your score will go down because you will have less credit. The best way to raise your score is to pay balance due before the due date, that way it will show up right away. |
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Black Panther
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DO NOT CANCEL YOUR UNEEDED CREDIT CARDS!!!
It may shorten your credit history.How much credit card debt are you in?
Pay it down that will improve your score :) |
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ryan20cgy
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First off do NOT ever cancel any credit cards. This will result in a GUARANTEED decrease in your score. There are a few ways to increase your score. Never pay off credit cards in full, try to get them down as much as possible, but not zero (5-10% of limit is best). If you have one credit card with a higher limit than others then transfer the balance from the high one and try to even out the balances. Another tip is to check to see when each credit card company reports to the credit bureau and if you have cards that report on different dates you can transfer money from one to the other to lower your balance before eachh company reports. You can also call your banks and see if they will increase your limits (but only if they will do so without checking your credit as each inquiry will lower your score). Finally make sure you do not have any inaccurate information on your report.
Good Luck |
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ILoveMySon
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Pay all debts on time ( at least the minimum payment and more if you can afford it ) and your score will rise in time |
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xbluebellax
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Ask to raise the limit on your current cards. This is what I did and my score has gone up over 20 points in just a few months. |
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shhbanvar
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Your credit score is based mostly on:
1. Length of credit history
2. Payment history.
3. Ratio of credit used to available credit.
4. Number of credit inquiries you authorized.
If you cancel your card, you'll be hurting your credit ratio. (#3).
You want to deliberately keep your oldest credit card open, even if you never use it.
You want to always pay the minimums of each loan on time every month.
You want to keep your available credit high, but actually only have balances equalinig 25% or less.
You want to keep your credit inquiries to a minimum. Try for no more than 3 or 4 per year for any type of loans.
You do these things and your credit score will quickly soar into the 700s.
--------------------------------------...
http://www.loansandinsurances.com/ |
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mike_robe1988
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i have a friend that works in retail at a cell phone place, he stated that you dont gain credit from cell phone companies....so i would avoid them as a source of credit |
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heyonah
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It might help to cancel any un-needed credit cards. |
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